Understanding Your Financial Habits Through Psychological Functions – Are You a Saver or a Spender?

This article explains your financial sense using psychological functions. Are you a saver or a spendthrift?

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Money management – are you a saver or a spendthrift?

Different types of people also show differences in their attitudes towards money.

Taking employees of securities companies as an example,ISTJThe (Introverted, Realistic, Thinking, Normative) type is the most cautious investor, generating small but reliable profits.

ESTP(Extroverted, Realistic, Thinking, Perceptive) typeENTPThe (extroverted, intuitive, thinking, and perceptive) type is the one that gambles the most, and they also invest the largest amounts and make the biggest profits.

While their performance is clearly better than other employees, they also incur the greatest losses when their investments fail.

Ｅtype andＮThe format tends to round off fractional amounts to suit the purpose.

For example, if you buy something that costs 19,800 yen, you might say it costs 20,000 yen if you want to impress someone, or 19,000 yen if you want to make them think it's nothing special.

Also,Ｅtype andＮThis type tends to boast about money and is prone to openly discussing financial problems with complete strangers, so often Ｉ mold orＳIt confuses the type.

ＳGenerally speaking, this type of person has a realistic understanding of money, both in terms of its potential and limitations.

Ｐmold orＮmold orＥIt's frustrating to see how, when it comes to money, he takes the attitude that "everything is a matter of comparison."

ＦKata doesn't have much attachment to money. He believes that money should be used to benefit others.

It's no coincidence that many people, including civil servants, choose jobs that are generally low-paying but serve the benefit of others.

ＪWhile this model excels in financial planning and financial management, it is not suitable for fiscal issues.ＰThe standardized approach is more effective and helps in finding original solutions.

ＰType, especiallyNPThose with an intuitive/flexible personality type tend to panic when tax filing season is approaching.

In contrast,SJThe (reality/norm) type should report it early and get it over with.
This behavior is seen with almost every type of payment.

16 typesPersonality traits(psychological tendency axis)↓

• First character:Extrovert (Type E) <—> Introvert (Type I)
• Second character:Sensing type (S type) <-> Intuitive type (N type)
• Third character:Thinking type (T type) <—> Feeling type (F type)
• 4th character:Judging type (J type) <-> Perceiving type (P type)